Metlife Homeowners

Metlife Homeowners Reviews

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Overall Rating3.7 out of 5
See all 39 reviews & ratings

About Metlife Homeowners Reviews

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MetLife is an insurance company that offers multiple levels of homeowners policies to fit a variety of budgets and coverage needs. All MetLife home policies include free identity protection with paid replacement cost coverage options. Its website doesn't have much information, but you can buy its home insurance policies by visiting a local agent.

Pros & Cons


  • Multiple coverage tiers
  • Free identity protection
  • Replacement cost coverage


  • Very little info on the website
  • No online tools

Bottom Line

MetLife offers homeowners multiple policy tiers. Each of its home insurance plans comes with identity protection at no extra cost. However, the website has little information and no online tools; contact an agent for further details.

Featured Reviews

East Alton, IL

Very good company. Have been with METLIFE insurance company for over four years. I have an agent in the same town that I live in and that makes it real nice. I have my house and a...

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Desert Hot Springs, CA

They take care of my needs at a great price. Their service is outstanding and always have an answer to my questions. When I need to make a change they always do it in a timely way...

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What is MetLife home insurance?

MetLife, which has been operating since the 1860s, is a big name in the U.S. insurance industry. While the company’s website and online tools are lacking, its coverage features, like replacement cost coverage and free identity protection, keep it competitive.

MetLife doesn’t offer online quotes, and you can’t purchase a policy or file a claim through the website. It does have a 24/7 claims hotline, though, along with fax and email claims. The company provides flexible payment plans and promises to rebuild your home and replace property without hidden costs or coverage gaps. It also offers several ways to save on your home insurance policy.

What does MetLife home insurance cover?

MetLife offers three tiers of coverage. Its Standard home insurance policy is pretty typical but also includes free identity protection. Coverage features included in the Standard policy:

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use
  • Liability
  • Medical payments
  • Identity protection services
  • Optional guaranteed replacement cost for home
  • Optional replacement cost value for personal property
  • Computer (up to $5,000)

The next tier is MetLife Platinum, which includes Standard plan coverages as well as:

  • Replacement cost value for personal property
  • Personal property limit for personal computer coverage ($5,000 for business use)
  • $10,000 in water backup coverage

MetLife’s GrandProtect is its top-tier policy. It includes everything in the Platinum plan, plus:

  • Guaranteed replacement home coverage
  • $25,000 identity theft reimbursement protection

The website does note that not all coverage is available in all states. Contact a MetLife agent to hear your coverage options.

MetLife home insurance quotes and costs

The cost of your MetLife home insurance policy depends on several factors, including your home’s age, your previous claims, credit score, pets, location and more. MetLife has no information on its website about the cost of homeowners insurance, but it does list several discount options:

  • Multipolicy: Savings for bundling home and auto coverage.
  • Claims free: Discounts for those who’ve had no claims on their policy for five years.
  • Safety: Savings for alarm systems, smoke detectors and other devices to prevent fire or theft.
  • Group/employer: Savings through your MetLife-partnered employer or organization.
  • Newly constructed home: Discounts for homes built within the last year.
  • Mature homeowner: Rate cuts for retired policyholders 55 and older.

MetLife home insurance FAQ

Where is MetLife home insurance available?

MetLife home insurance is available in all states, though not all coverage is available in all states.

How do I file a home insurance claim with MetLife?

MetLife lets you submit claims 24/7 through its claims hotline, by fax or by email.

Where is MetLife located?

The MetLife headquarters is located in New York City. Its homeowners insurance is available nationwide.

Does MetLife home insurance cover A/C units?

Yes. MetLife offers a home systems protection plan, which covers central air conditioning and other electrical appliances.

Is MetLife a good homeowners insurance company?

MetLife is generally a good option for homeowners insurance. The website doesn’t offer much info about its coverage and costs and has no policy management tools — but if you don’t mind handling your policy through an agent, MetLife might work for you. Contact the company to get a quote for coverage available in your area.

Metlife Homeowners Reviews

ConsumerAffairs has collected 39 reviews and 256 ratings.

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Page 1 Reviews 0 - 10

Reviewed Jan. 2, 2023

I have been with this company for over 20 years for my homeowners, and auto insurance without any problems on my end. My family and I have been very loyal customers and I have always paid our bills on time with them. The problem, and the reason for the one star review: they recently dropped me without notice on our homeowners insurance policy for something simple that took only a few days to fix on the house (tree branches hanging over the roof that needed cut back).

They knew for 5 months prior to dropping me, and didn't give me any notice of this, or time (a grace period) to take care of the very simple problem, which only took a few days to take care of. They only notified me by mail that they were dropping me due to this small issue when my next bill payment was supposed to be made. How was I supposed to know that this was a reason to drop me from the policy?

I called the company to investigate this issue and no one could help me, or explain further. I did however find both auto and homeowners insurance with another company for much, much cheaper. I also found that MetLife is very expensive, and the customer service is not very helpful, as well as being very hard to understand. Before you go with this company, please check out your options!!

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Reviewed March 31, 2021

I spent nearly 2 hours on the phone with an agent, at the beginning I asked for a quote for car and home insurance. Well, the car insurance ended being too expensive, but the home insurance was affordable, the agent send me the quote proposal home to my email address. Since I was going to keep my old auto insurance I ask the agent to make the same quote, but this time not at my name, but at my mother's name, since we both owned the house. Then he said that Metlife declined to insure the house because they said that it is a sinkhole area.

In my current home insurance People's Trust, we don't have sinkhole insurance, they allowed us to refuse, because it is not a sinkhole area. I don't really know where do they get the information but is not accurate and Metlife should not be doing quotes for areas that according to them are sinkhole areas. And less send flyers in the mail advertising their great rates and discount codes specifically for the company that you work for when that is misleading information or better select the areas where they can offer insurance and don't send mail to areas like mine where "supposedly" we have sinkholes, it makes us spend miserably hours in the phone.

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    Reviewed Aug. 23, 2020

    Last August, 2019 we bought our house. MetLife came out and did their usual inspection. We never heard back from them. In April, 2020 they contacted our agent and said we needed to get rid of some bushes around the house, which was already done in September 2019. They also said the roof needed to be done. We had the roof already scheduled for July 2020. The day our roof was done, we got a letter that they were not renewing us in August 2020. They never even followed up with us to see that we got everything done. If they had renewed us, they would have set our home value at $660,000, which is more than double what the home is actually worth, so we would have paid a larger than needed premium. Worst company to deal with. Thankfully we found an insurer who has been great to work with and has valued our home only slightly higher than is has been appraised for.

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    Reviewed April 15, 2020

    Metlife cancelled after I refused to let the 3rd party inspector inside my home during the Covid-19 pandemic. What part of there is a worldwide pandemic, and a potentially deadly virus spreading does Metlife not get? The inspector showed up at my house unannounced and even after I told him not to get out of his car, he did, and proceeded to walk into my yard. He took full advantage of the fact that I was a woman, by myself. These are the kind of people that are hired by this third party inspection company, and, essentially, Metlife. Apparently all Metlife is concerned about is collecting their premiums, and not human lives. Do you really want to pay money to a company that has no concern for their clients' safety?

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    Reviewed March 18, 2020

    I had been a Met Life homeowners customer for over 20 years. Every year I had problems with billing-- they would agree to a 12 month payment plan, then switch it back to a nine month payment plan whereby they say they were going to cancel my insurance. I attempted to file two claims over the course of 20 years and was denied both times. When I had enough, I called them and asked them to insure me through January 22nd and I paid their quoted amount through January 22. I called to confirm cancellation on the 23rd, and then I received another bill for $28 for one more day. All our phone conversations were recorded, and I repeatedly stated I did not want to be insured after the twenty-second. It's all about them and their money--it's not about the customer. I do not recommend this company.

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    Reviewed Dec. 12, 2019

    My girlfriend has had MetLife homeowners for 40 + years. A drunk drove into our house which has stone siding. So here we are living in Illinois in the winter with a hole in our house. They keep lying to us about how much it will cost to fix our home. At first we were told to get it fixed and they would pay. Well they have sent two checks which will cover almost half. I guess I need a lawyer and file a complaint with the commerce commission. 10 weeks is long enough to live like this.

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    Reviewed Nov. 21, 2019

    After being with the same insurance agency for over 60 years, our home and auto insurance was changed to MetLife. After making a claim, it took the Donan Engineering Company 7 weeks to show up. The West side of my house was left open in the rainiest summer in centuries. The inside was destroyed including my grandmother's antique oak furniture. MetLife is insistent that the house had been leaky for an extended period of time. This is untrue. All attempts at collecting on our policy were denied. The Donan Co. has an apparently questionable reputation from private adjusters. Apparently, their people receive nice bonuses for rejecting claims. I find MetLife's use of such people below shameful behavior. My advice; steer clear of MetLife! As for my agency, I'm sure if father Rudy and son Jack were still alive, this selling out of their customers would never have happened.

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    Reviewed Oct. 7, 2019

    My garage was demolished by a hit-and-run driver in June 2019. I was fully insured through Metlife Homeowner's insurance for replacement value of the garage, up to $40.000. To date, they sent an adjuster out to meet me but she texted me that she had to come early, while I was still at work, because she didn't want to get caught in an expected thunderstorm. She sent a quote that was so low that I could not find any contractor that didn't laugh at the quote. I sent her (certified mail, return receipt requested, two times) all of the bids/estimates that I received.

    In September, I paid out of my own pocket to have the garage removed because, it was creaking and in danger of falling into the roadway. I still have not heard back with any offer to increase the pay out to an amount that could actually replace the garage, regardless of the multiple emails, calls and letters sent through certified mail. If you want to get half of what it will cost you to replace the damage to your property, you might get paid in 10 days. If you want a fair cost to replace your damage, try another insurance company.

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    Reviewed July 17, 2019

    During a mortgage refinance we discovered that Metlife was drastically OVERCHARGE for insurance premiums. We have a $200K home, and we’re paying $4000/yr in premiums. New company offers higher coverage for $1500/yr. Premiums were paid through payroll deduction, so the gradual 5 year increase from $2000 to $3900 annual premium went unnoticed until our bank questioned the high rate. When I called to question it, the rep said he wasn’t sure, because we’ve had no claims since starting with them. Looking into legal action.

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    Reviewed July 13, 2019

    On 7/3 I was advised by my downstairs neighbor that there was a leak coming from my AC unit. I immediately called to get the leak repaired. I also called MetLife to open a claim. From start to finish, my adjusters have been as unhelpful as possible. I'm going to pay a couple thousand dollars out of pocket because they didn't provide sufficient information about the claim process and my lack of liability for the downstairs unit. They did not indicate that they had recommended vendors. The inspector didn't conduct a thorough inspection and indicated there was no damage when, in fact, the was mold damage in the AC air intake vent. In spite of the fact that there was mold damage, they didn't offer a hotel. I had to bully them into it. Now that the moldy drywall has been cut out, I have to beg to get it restored because the inspector said there was no damage. WORST EXPERIENCE EVER. DO NOT RECOMMEND.

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    Metlife Homeowners Company Information

    Company Name:
    Metlife Homeowners
    Year Founded:
    200 Park Avenue
    New York
    Postal Code:
    United States